:root {
  --bg: #090909;
  --bg-card: #111111;
  --bg-card-hover: #161616;
  --fg: #e8e2d8;
  --fg-muted: #8a8578;
  --gold: #C9A84C;
  --gold-dim: #9a7d35;
  --border: rgba(201,168,76,0.15);
  --border-strong: rgba(201,168,76,0.35);
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  background: var(--bg);
  color: var(--fg);
  font-family: 'DM Sans', system-ui, sans-serif;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* NAV */
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 28px 48px;
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  background: rgba(9,9,9,0.9);
  backdrop-filter: blur(12px);
  z-index: 100;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 500;
  letter-spacing: 0.02em;
  color: var(--fg);
}

.nav-tagline {
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-dim);
}

/* HERO */
.hero {
  padding: 80px 48px 64px;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -200px;
  right: -200px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(201,168,76,0.06) 0%, transparent 70%);
  pointer-events: none;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 80px;
  align-items: center;
  max-width: 1200px;
  margin: 0 auto;
}

.hero-eyebrow {
  font-size: 11px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 24px;
}

.hero-headline {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(44px, 6vw, 72px);
  font-weight: 300;
  line-height: 1.05;
  letter-spacing: -0.01em;
  color: var(--fg);
  margin-bottom: 24px;
}

.hero-sub {
  font-size: 16px;
  line-height: 1.7;
  color: var(--fg-muted);
  max-width: 460px;
  margin-bottom: 48px;
}

/* SWISS CARD */
.hero-card-wrap {
  display: inline-block;
}

.swiss-card {
  width: 320px;
  background: linear-gradient(135deg, #1a1a1a 0%, #0d0d0d 100%);
  border: 1px solid var(--border-strong);
  border-radius: 16px;
  padding: 24px;
  position: relative;
  overflow: hidden;
}

.swiss-card::after {
  content: '';
  position: absolute;
  top: -40px;
  right: -40px;
  width: 120px;
  height: 120px;
  background: radial-gradient(circle, rgba(201,168,76,0.12) 0%, transparent 70%);
}

.card-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 32px;
}

.card-label {
  font-family: 'Cormorant Garamond', serif;
  font-size: 18px;
  font-weight: 600;
  letter-spacing: 0.12em;
  color: var(--gold);
}

.card-type {
  font-size: 9px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--fg-muted);
  border: 1px solid var(--border);
  padding: 3px 8px;
  border-radius: 4px;
}

.card-number {
  font-family: 'DM Sans', monospace;
  font-size: 15px;
  letter-spacing: 0.15em;
  color: var(--fg);
  margin-bottom: 24px;
  opacity: 0.7;
}

.card-bottom {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
}

.card-name {
  font-size: 11px;
  letter-spacing: 0.12em;
  color: var(--fg);
  margin-bottom: 4px;
}

.card-exp {
  font-size: 10px;
  color: var(--fg-muted);
  letter-spacing: 0.08em;
}

/* BALANCE WIDGET */
.balance-widget {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 28px;
  margin-bottom: 16px;
}

.balance-label {
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--fg-muted);
  margin-bottom: 10px;
}

.balance-amount {
  font-family: 'Cormorant Garamond', serif;
  font-size: 38px;
  font-weight: 300;
  color: var(--fg);
  letter-spacing: -0.01em;
  margin-bottom: 6px;
}

.balance-cents {
  font-size: 22px;
  opacity: 0.5;
}

.balance-sub {
  font-size: 11px;
  color: var(--fg-muted);
  margin-bottom: 20px;
}

.balance-bar {
  height: 3px;
  background: rgba(201,168,76,0.15);
  border-radius: 2px;
  overflow: hidden;
  margin-bottom: 12px;
}

.bar-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--gold-dim), var(--gold));
  border-radius: 2px;
  transition: width 1s ease;
}

.balance-meta {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.pct {
  font-size: 12px;
  font-weight: 500;
  color: #6dbf8a;
}

.trend-up {
  font-size: 14px;
  color: #6dbf8a;
}

/* TRANSACTIONS WIDGET */
.transactions-widget {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 20px 28px;
}

.t-header {
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--fg-muted);
  margin-bottom: 16px;
}

.t-row {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,0.04);
}

.t-row:last-child { border-bottom: none; }

.t-icon {
  font-size: 14px;
  width: 20px;
  text-align: center;
  opacity: 0.5;
}

.t-label {
  font-size: 13px;
  color: var(--fg);
  flex: 1;
}

.t-val {
  font-size: 13px;
  font-weight: 500;
}

.pos { color: #6dbf8a; }
.neg { color: var(--fg); opacity: 0.7; }

/* STATS ROW */
.stats-row {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  padding: 40px 48px;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  background: linear-gradient(180deg, rgba(201,168,76,0.03) 0%, transparent 100%);
}

.stat {
  text-align: center;
  padding: 0 48px;
}

.stat-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 40px;
  font-weight: 300;
  color: var(--gold);
  letter-spacing: -0.02em;
  line-height: 1;
  margin-bottom: 8px;
}

.stat-label {
  font-size: 11px;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--fg-muted);
}

.stat-sep {
  width: 1px;
  height: 50px;
  background: var(--border);
}

/* FEATURES */
.features {
  padding: 96px 48px;
  max-width: 1200px;
  margin: 0 auto;
}

.features-header {
  margin-bottom: 64px;
}

.section-eyebrow {
  display: block;
  font-size: 11px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.features-header h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 4vw, 48px);
  font-weight: 300;
  color: var(--fg);
  letter-spacing: -0.01em;
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: 20px;
  overflow: hidden;
}

.feature-card {
  background: var(--bg);
  padding: 36px 32px;
  transition: background 0.3s ease;
}

.feature-card:hover {
  background: var(--bg-card);
}

.feat-icon {
  margin-bottom: 20px;
}

.feature-card h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 500;
  color: var(--fg);
  margin-bottom: 12px;
  letter-spacing: 0.01em;
}

.feature-card p {
  font-size: 14px;
  line-height: 1.65;
  color: var(--fg-muted);
}

/* ETHOS */
.ethos {
  padding: 96px 48px;
  background: linear-gradient(180deg, var(--bg) 0%, #0e0e0e 50%, var(--bg) 100%);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.ethos-inner {
  max-width: 800px;
  margin: 0 auto;
  text-align: center;
}

.ethos-label {
  font-size: 10px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 32px;
}

.ethos-quote {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(24px, 3.5vw, 38px);
  font-weight: 300;
  font-style: italic;
  color: var(--fg);
  line-height: 1.3;
  margin-bottom: 32px;
  letter-spacing: -0.01em;
}

.ethos-body {
  font-size: 15px;
  line-height: 1.8;
  color: var(--fg-muted);
  max-width: 620px;
  margin: 0 auto 48px;
}

.ethos-divider {
  width: 1px;
  height: 48px;
  background: var(--border-strong);
  margin: 0 auto 48px;
}

.ethos-pillars {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 48px;
  text-align: left;
}

.pillar-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 20px;
  font-weight: 500;
  color: var(--gold);
  margin-bottom: 10px;
  letter-spacing: 0.02em;
}

.pillar-desc {
  font-size: 13px;
  line-height: 1.65;
  color: var(--fg-muted);
}

/* CLOSING */
.closing {
  padding: 96px 48px;
  text-align: center;
}

.closing-inner {
  max-width: 800px;
  margin: 0 auto;
}

.closing-badge {
  font-size: 10px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold-dim);
  margin-bottom: 28px;
}

.closing-headline {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(36px, 5vw, 60px);
  font-weight: 300;
  line-height: 1.1;
  color: var(--fg);
  margin-bottom: 28px;
  letter-spacing: -0.01em;
}

.closing-sub {
  font-size: 16px;
  line-height: 1.75;
  color: var(--fg-muted);
  max-width: 560px;
  margin: 0 auto 64px;
}

.closing-visual {
  display: flex;
  justify-content: center;
}

/* FOOTER */
.footer {
  border-top: 1px solid var(--border);
  padding: 40px 48px;
}

.footer-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 24px;
}

.footer-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: 'Cormorant Garamond', serif;
  font-size: 18px;
  font-weight: 500;
  color: var(--fg);
}

.footer-tagline {
  font-size: 12px;
  color: var(--fg-muted);
  letter-spacing: 0.06em;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  padding-top: 24px;
  border-top: 1px solid var(--border);
  font-size: 11px;
  color: rgba(255,255,255,0.2);
  letter-spacing: 0.06em;
}

/* RESPONSIVE */
@media (max-width: 900px) {
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 48px;
  }

  .hero-visual {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
  }

  .features-grid {
    grid-template-columns: 1fr;
  }

  .ethos-pillars {
    grid-template-columns: 1fr;
    gap: 32px;
    text-align: center;
  }

  .stats-row {
    flex-wrap: wrap;
    gap: 32px;
  }

  .stat-sep { display: none; }

  .nav { padding: 20px 24px; }
  .hero { padding: 56px 24px 48px; }
  .features { padding: 64px 24px; }
  .ethos { padding: 64px 24px; }
  .closing { padding: 64px 24px; }
  .footer { padding: 32px 24px; }
  .footer-top { flex-direction: column; gap: 16px; }
}

@media (max-width: 600px) {
  .hero-visual {
    grid-template-columns: 1fr;
  }

  .swiss-card {
    width: 100%;
    max-width: 320px;
  }
}